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01 · overview

Capital One Venture X Rewards

by Capital OneMiles

75,000 miles welcome · 10x on hotels & car rentals (via portal) · $395/yr

Capital One Venture X Rewards
Annual fee
$395
Per year
Sign up bonus
75K mi
After $4,000 in 3 mo · ≈ $750
Credits
$479
3 credits · 10 perks
Median FICO
750
Approved
Median income
$90,000
Approved
Our take

The Venture X makes a premium card unusually easy to justify: the $300 annual travel credit and 10,000 anniversary miles roughly cancel out the $395 annual fee, leaving lounge access through Capital One Lounges and Priority Pass Select as the payoff. It earns 2 miles per dollar on everything, 10x on hotels and rental cars and 5x on flights booked through Capital One Travel, plus 5x on Capital One Entertainment ticket purchases on that platform only. The welcome offer of 75,000 miles after $4,000 in spend within 3 months is a reachable target, and it lands the card at #7 on our Best Credit Card Signup Bonuses list. The catch is that the travel credit only works on bookings through Capital One Travel, so if you prefer booking directly with airlines and hotels, the math gets tighter. For frequent travelers, it ranks #3 on our Best Travel Credit Cards list as our Best Premium pick, backed by a Global Entry or TSA PreCheck credit, Hertz President's Circle status, and cell phone protection up to $800.

Welcome bonus
75K mi
After $4,000 in 3 mo · ≈ $750
Apply now
02 · earn & credits

Earn rates & credits

Earn rates
CategoryRate
Hotels & Car Rentals (via Portal)
10x
Flights (via Portal)
5x
Entertainment (via Portal)
Capital One Entertainment platform purchases only — excludes general entertainment, dining reservations, and Capital One Dining
5x
Everything Else
2x
Estimated value: 1.0¢/mile
Credits & rebates
BenefitValue
Annual Travel Credit
Credit for bookings through Capital One Travel portal
$300 /yr
Global Entry / TSA PreCheck Credit
Up to $120 statement credit for Global Entry or TSA PreCheck application fee
$120 every 4 yr
PRIOR Subscription
Complimentary PRIOR subscription for extraordinary travel experiences and destination guides
$149 /yr
Total annual credits$479
Perks & protections
Anniversary Miles Bonus
10,000 bonus miles on account anniversary
Capital One Lounge Access
Complimentary access to Capital One Lounges
Priority Pass Select
Complimentary Priority Pass Select membership with access to 1,300+ lounges worldwide
Hertz President's Circle Status
Complimentary Hertz President's Circle elite status
Price Drop Protection
Up to $50 travel credit if a booked flight price drops within 10 days through Capital One Travel
Price Match Guarantee
Travel credit for price difference on flights, hotels, or rental cars if better price found within 24 hours of booking
Capital One Entertainment 5x
5x miles on ticket purchases through the Capital One Entertainment platform (concerts, sports, dining experiences). Excludes dining reservations and Capital One Dining.
Discounted Cultivist Membership
50% off the Enthusiast membership to The Cultivist for up to 2 years
Enhanced Hotel Benefits
Includes up to $100 hotel credit, daily breakfast, room upgrades, and more at Premier and Lifestyle Collection hotels
Cell Phone Protection
Reimbursement of up to $800 if your phone is stolen or damaged when you pay your cell phone bill with the card.
03 · card details

Card details

Regular APR
19.49%–28.49% variable
Foreign transaction fee
None
04 · approval odds

Approval odds

n = 15 · 9 approved · 6 denied
Median FICO
750
Median income
$90,000
Credit history
8 yrs
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05 · product changes

Product changes

Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.

Based on 2 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.

06 · news

In the news

07 · reading

Further reading